Debtbegone's Debtbusting Diary

debtbegone

Really need to find that book, it's starting to do my head in! It was all nice an neat and ready to fill in with all my silly ideas for money making

Spent most of today working, roll on having a day "off" on Sunday, I think I'll be getting right down to the planning, listing and what not then when I can spend some proper time at it

Also need to start thinking about [STRIKE]christmas[/STRIKE] not that I've got many to buy for, especially now I'm single ha, at least that's a perk!

Was going to watch the apprentice on iplayer just now (while doing more work) but for some reason my internet is being really slow at this time of night over the last few days, so it's ugly betty and ferris bueller for me tonight.

Hope everyone out there is ok

debtbegone

Fab! Free listing this weekend on ebay, better get digging out and photographing bits the next few evenings

Purpleroses

Delighted about the free listings too! Need to get going on ebay again!

Hope you find the book.

debtbegone

No luck on the book, I've been sorting and shifting stuff in my room though so hopefully will turn up soon, had some proper soul searching "in 2 years I will . . . " stuff in it that my brain can't replicate right now!

Have done my first wee list on ebay (was working yesterday, then the mammoth x-factor live show )

My cc's have had their interest added to them so I can update my sig, in the space of 3 months I have very much ashamedly only knocked £80 off my debt :eek: due to mostly just making minimum payments (and having no motivation to do any extra due to personal stuffs)

From this month though things are definitely going to change - big style!

debtbegone

Woop, found the book buried in a box of paperwork

So my "Two Year Plan" is:

1. To be out of debt
2. To not be living at home
3. To have my own car
4. To have a full time, regular paying job that I love
5. To be running business p/t (taking in at least £400 a month from it)
6. To be saving for a decent holiday - Paris/New York/etc
7. To get my weight to around 10st and maintain it

So far I'm only well on my way to number 7 but that's thanks to a break-up and having no car and I should start making an impact on the debt/saving for a wee car over the next couple of months thanks to potential extra hours in the current p/t job, holiday cover and with christmas coming up. The rest should follow after that!

debtbegone

Payday, woop! I've just paid the minimum on two of the three cards, have £40 in my account (above the overdraft yay!) so I'm going to take a tenner out tomorrow to last me the week on spends for myself. I get paid again at the end of the month so will make the minimum payment to the other card then, which is in plenty time for that to reach, then just before my next (main p/t job) payday I'll whack some extra off the cards.

I want to try and keep myself out of the overdraft for as much of the time as possible so I'm not getting charged a quid a day on it, then just before payday put out as much as possible to the cards iykwim!

:j I'm not in my overdraft :j

Purpleroses

woop woop well done! its so great to get out of the overdraft!!

debtbegone

It feels great I'm quite lucky that it's just a small £300 one that I've got but I'm permanently in it. I've included the full £300 in my debt total as I'll probably be in and out of it to some degree over the debt-busting time!

I'm having too lazy a day right now, must get my bum into gear. I've made a wee list of things to do to help bust the debt:

*List stuff on ebay
*p/t job
*holiday cover
*maximise turnover
*jpj
*quidco for everything
*tesco points offers
*downgrade my phone contract when I finally can in december
*bp instead of fb games
*start collecting £2 coins again

So today I'm going to get 2 items ready for listing on ebay (photos and descriptions) and get some "real" work done before slobbing out in front of x-factor again tonight

Hope things are going well with you purple!

Purpleroses

i'm having a lazy weekend too! I just needed a few days from debt busting before I exploded, back to it tomorrow. I haven't been on BP in ages either but i've got it running in the back ground as we speak. I need to get into surveys again too.
Aiming to get the CC gone by xmas, bit of a challenge but going to try

debtbegone

Gah, you're better than me, I've still not got back on bp (though I've not played any fb games either ) You're doing really well with your padding/dfo, Very impressed!

Had a phonecall today that might lead to more regular dosh. If I go for it I might end up knackered, but I'm not doing anything anyway with my single life so I might as well throw myself full into moneymaking/debtbusting, and it'll help with number 7 on my list too! Fingers crossed that everything goes ok tomorrow.